An Internet banking service that enables customers to conduct banking transactions anywhere with guaranteed security, using captcha (random alphanumeric code) and security word (code created by the user) to tell the customer that they are on the CIMB Niaga website is. Preferred Phone Banking is an electronic facility with the largest transaction limit at CIMB Niaga.
Retail Credit System
Business Credit SystemBriefcase Banking
BizChannel
RET-AD
Financial Highlights Equity and Bond Highlights Subsidiaries/Associates President's Report Commissioner's Report from the President The Director Overview of Strategy and Planning.
CONTENTS
BECOMING A LEADING
Consumer Banking
SMME (Small Medium & Micro)
In 2013, Commercial Banking posted a credit
NPL Ratio
Corporate Banking
Net Profi t
CIMB Niaga posted a Net Profi t of Rp4.3 trillion
Sharia Banking
Customers’ Deposits
Total loans and total assets increased by 8% and 11% respectively to Rp 157.0 trillion and Rp 218.9 trillion respectively.
14,342 Total Employees
969 Network Offi ces
As the controlling shareholder of CIMB Niaga (via CIMB Group) and Lippo Bank, Khazanah completed a merger to comply with the Single Presence Policy (SPP) set by Bank Indonesia. Per December 31, 2013, the market value of PT Bank CIMB Niaga Tbk was registered at 23 trillion Rp.
Explanation
Understanding customer needs;
Providing the right comprehensive fi nancial solutions;
CIMB Niaga always puts the satisfaction of our customers first, through excellent services from employees with high integrity and passion for excellence in their work.
The Main Behavior of Core Values
Integrity is Everything”
Always Put Customers First”
Passion for Excellence”
Integrity is Everything
Corporate Actions in the last 5 years
- Bonds I Bank CIMB Niaga Year 2011 With Series A Fixed Interest Rate
- Bonds I Bank CIMB Niaga Year 2011 With Series B Fixed Interest Rate
No allocation for the statutory reserve from net income as defined in Article 70 of Law no. The term of the bonds is 5 (five) years from the date of issue, and the payment bonds on the due date, which is December 23. 2016.
Bond Highlights
The realization of the proceeds was reported to the Financial Services Authority (formerly Bapepam-LK) by means of letter No.
Monthly Share Price Information in the last 5 years a. Year 2009
In addition, the Company submitted a report on its PUB issuance plan Phase II in 2013 in accordance with the Circular of Bank Indonesia (“SEBI”) No. Letter No.011 / DIR/II/2013 dated February 28, 2013. The issuance of PUB Phase II in 2013 was recorded in the administrative supervision of Bank Indonesia in accordance with Bank Indonesia Confirmation Letter No.15/72/.
Development in Capital Structure and Outstanding Shares in the Last 5 Years
Composition of Shareholders (5 years) 31 December 2009
Shareholding Structure of the Company to Ultimate Shareholder
Shareholding of the Boards of Commissioners and Directors in the Company
- Shareholding of the Boards of Commissioners and Directors that reached 5% or more in the Paid-in Capital of Other Companies
Share Ownership in Other Companies
Share Listing Chronology
Market Capitalization
Stock Exchange where the Company’s stock is listed Indonesia Stock Exchange
PT CIMB Niaga Auto Finance (formerly known as PT Saseka Gelora Leasing) was founded in 1981 and was primarily a leasing business. PT Bank CIMB Niaga Tbk started with a partial ownership of PT CIMB Niaga Auto Finance when it acquired shares of the company. After the merger of PT LippoBank Tbk into PT Bank Niaga Tbk in 2008, ownership of SGF was transferred to PT Bank CIMB Niaga Tbk.
In 2010, PT Bank CIMB Niaga Tbk increased its ownership to 99.9%, with the remaining 0.01% of shares remaining owned by PT Niaga Management Citra (NMC). In June 2010, PT Saseka Gelora Finance changed its name to PT CIMB Niaga Auto Finance, followed by a logo change.
6WDWHPHQWE\'LUHFWRUV
DWR¶6UL0RKDPHG1D]LUELQ$EGXO5D]DN 0DQDJLQJ'LUHFWRU
XDOD/XPSXU 0DUFK
IRUWKHILQDQFLDO\HDUHQGHG'HFHPEHU
Dear Shareholders,
On behalf of the Board, I would like to congratulate the Directors of CIMB Niaga for a commendable 2013. CIMB Niaga was also the winner of the Annual Report Awards 2013 in the Private Listed Financial Company category for the 11th time in a row. A more detailed report on our CSR activities can be found in CIMB Niaga's Sustainability Report, which includes parts of the new Global Reporting Initiative standards.
In addition, other challenges for CIMB Niaga in 2013 were new regulations to limit the level of liquidity of the banking sector in the consumer segment. CIMB Niaga has won several awards for CSR activities carried out in 2013, such as.
Management Discussion
Digital Lounges
Meanwhile, the gross domestic product (GDP) of Japan has experienced positive growth over the past 2 years, following progressive steps taken through the depreciation of the yen. The decrease in the value of brand "Indonesia" has experienced a delayed flow of direct investment. The reduction in foreign investment flows was also experienced in the bond market, especially in the Indonesian Stock Exchange.
The stock market return of (negative) -1.0% was the lowest in the past 5 years. There were also improvements in the quality of government spending, as evidenced by its contribution to GDP and the effectiveness of its allocation.
CONSUMER BANKING
CIMB Niaga Mortgage has built cooperation with 600 developers and leading real estate agents in many cities in Indonesia. For this innovation, CIMB Niaga Auto Loan received an award in the category "The bank that offers luxury cars with the most unique program" from Rekor Bisnis Indonesia. It is my hope that CIMB Niaga will continue to innovate and become the best in luxury car finance.
Our business group has been working with CIMB Niaga for more than 10 years in many areas. CIMB Niaga Business Banking also offers a 14041 call center and priority 500 800 phone banking as part of the company's commitment to providing a comprehensive.
CIMB PREFERRED,
PRIVATE BANKING AND WEALTH MANAGEMENT
In general, the products and services offered by CIMB Niaga Private Banking are quite competitive compared to those offered by other banks. CIMB Niaga has implemented a strategic measure to provide assistance to the SMME segment through CSR activities that are incorporated into the business units. Going forward, CIMB Niaga will be able to maintain and even improve service excellence for customer satisfaction.
In terms of financing, CIMB Niaga Mikro Laju offers a wide choice of competitive savings products with competitive interest rates. It is our hope that CIMB Niaga Mikro Laju will achieve greater success and provide greater comfort to all its customers.
COMMERCIAL BANKING
Continuation of the success of the dual banking concept by optimizing the potential for both branch and commercial banking staff to market both. To promote the accumulation of CASA accounts, Commercial Banking will intensify cooperation with Transaction Banking to promote greater volumes and numbers of transactions. In 2013, this support function was able to support financing and funding activities in Commercial Banking.
Going forward, Commercial Banking will grow in line with the Company's strategic direction planned for 2014. Improving the quality of human resources through training and programs specifically designed to meet the needs of Commercial Banking.
CORPORATE BANKING
These included strategies, one of which was for partnerships with product managers and branches within the company and CIMB Group. As a custodian bank, the Company has established a strong reputation and has experience for more than 20 years. The company also plays an active role in the Indonesian Trustee Association and the Indonesian Stock Exchange.
For the past five years, since 2009, the company has been the largest settlement bank for Indonesian Central Securities Depository (KSEI) by transaction amount. Until the end of 2013, the Company entered into Investor Account Contracts with 61 securities companies.
CAPITAL MARKET
CIMB Niaga's finance strategy is to consistently execute the four strategies launched in 2012: integration, innovation, optimization and alignment. The largest contributor to this revenue was due to the net interest margin spread in the liquidity management and commercial paper portfolio of Rp 2,984 billion (78.4%), followed by income from foreign exchange transactions reaching Rp 655 billion (17.2%) and from commercial paper trading , which reached Rp 183 billion (5%). To mitigate risk, the commercial paper trading unit has completed a rebranding of existing commercial paper portfolios, in addition to maintaining its role as Primary dealer of government bonds and sales agent for retail ORI.
This commercial paper business is supported by an alliance with Consumer Banking, Private Banking and Preferred. It is our hope that CIMB Niaga will continue its success and maintain its leading position.
TRANSACTION BANKING
To enhance cash management services, the Company has integrated its Internet banking services for corporate clients – the BizChannel@CIMB – with flagship products for individual segments, the Rekening Ponsel to provide end-to-end electronic banking solutions. Transfer Same Day Free” and CIMB Money Transfer service widely used by Indonesian workers and students living overseas. CIMB Money Transfer is a personal service that enables money transfers within minutes to and from agents of CIMB Money Transfers that can be deposited or simply made to the account of an agent of CIMB Money Transfer.
CASA, Trade Finance, Fee, FX
In product development, Transaction Banking continued to innovate in order to provide customers with comprehensive services. Another facility to improve transaction banking after-sales services is the call center hotline 14042, which is dedicated to customers who want to get quick and comprehensive information regarding our cash management products and services, and a trading desk designed for customers who want to get regardless of the information they may need in relation to trade finance products. In addition, CIMB Niaga Transaction Banking was voted the best foreign cash management bank in Indonesia for domestic cash management services by medium-sized corporate clients.
The growth was generated by all Transaction Banking products, which are Cash Management which grew by 35% and Trade Finance which grew by 44% from a year ago. Leveraging the Company's extensive network (almost 1,000 branches across Indonesia) and CIMB Group's network in 12 Asia Pacific countries to enhance the penetration of transaction banking products in domestic and global markets, particularly in Asia.
SHARIA BANKING
High Margin Business
The company will remain focused on providing high margin businesses such as auto loans, microfinance, personal loans, credit cards and structured finance. Maintaining the principles of prudence, the Company will also continue to develop car financing through its subsidiaries, PT CIMB Niaga Auto Finance and PT KITA Finance.
Diversification of Revenue Streams
Low-Cost Funds (CASA) Growth
Sales & Service Transformation
Effi ciency Improvement
Strengthening Human Capital
Capital : > Rp30 trillion
Coupon
After receiving the coupon confirmation, users need to enter the selected m-banking pin and the coupon is ready to use. There is a 6-digit number in the coupon which is later submitted to the cashier if you wish to continue the transaction.
Direct Payment
Winners in the competition at the end of each semester win a number of prizes and are given the opportunity to apply their winning ideas or creativity to other units. The Global Financial Management System as an implementation of the transformation of the banking financial system to meet the demand for faster systems to improve competition in the increasingly tough banking industry and provide a basis for business expansion and stronger growth . In the new process, employee performance can be measured more accurately while the performance of related units can be improved.
This can be seen in the increasingly comprehensive channel service and rapid development of branchless banking services that the Bank provides to its customers through new product development that is unique such as Rekening Ponsel and Digital Lounge. The IT Directorate understands that the execution of the IT plan for 2014 is likely to encounter major challenges, especially in terms of the investments required and in the growing need for skilled and competent IT personnel to ensure that the project is completed on time be completed.
